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County11th of 227 in Texas by approvalsFIPS 48141
SBA loans in El Paso County, Texas
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 482 loans to businesses in El Paso County, Texas, in FY2021 to FY2025, worth $255M: 446 under 7(a) and 36 under 504.
That is 29.6 approvals per 1,000 business establishments (16,280 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 11th of 227 Texas counties with approvals. In FY2025 there were 90, about level with FY2024.
77 lenders had approvals here; the most active were Wells Fargo Bank National Association (62), The Huntington National Bank (25) and Northeast Bank (23). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in El Paso County
By number of approvals to businesses in the county, FY2021–FY2025; 77 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National AssociationSioux Falls, SD | 62 | $11.5M | 12.9% | |
| 2 | The Huntington National BankColumbus, OH | 25 | $10.4M | 5.2% | |
| 3 | Northeast BankLewiston, ME | 23 | $5.0M | 4.8% | |
| 4 | Sunflower Bank National AssociationDallas, TX | 22 | $20.1M | 4.6% | |
| 5 | JPMorgan Chase Bank, National AssociationColumbus, OH | 20 | $7.8M | 4.1% | |
| 6 | LiftFund, Inc.San Antonio, TX · CDC | 18 | $19.8M | 3.7% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 18 | $4.8M | 3.7% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 16 | $10.7M | 3.3% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 16 | $8.8M | 3.3% | |
| 10 | First Savings BankBeresford, SD | 16 | $5.9M | 3.3% | |
| 11 | WestStar BankEl Paso, TX | 15 | $3.8M | 3.1% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 15 | $2.2M | 3.1% | |
| 13 | Newtek Small Business Finance, Inc.Lake Success, NY | 14 | $4.4M | 2.9% | |
| 14 | PeopleFundAustin, TX | 14 | $2.0M | 2.9% | |
| 15 | LiftFund, Inc.San Antonio, TX | 14 | $1.5M | 2.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 52 | 10.8% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 29 | 6.0% | |
| 3 | General Freight TruckingNAICS 4841 | 29 | 6.0% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 21 | 4.4% | |
| 5 | Offices of PhysiciansNAICS 6211 | 18 | 3.7% | |
| 6 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 16 | 3.3% | |
| 7 | Personal Care ServicesNAICS 8121 | 15 | 3.1% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 14 | 2.9% | |
| 9 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 12 | 2.5% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 11 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 73 | 15.1% | |
| 2 | Accommodation and Food Services | 68 | 14.1% | |
| 3 | Other Services (except Public Administration) | 57 | 11.8% | |
| 4 | Retail Trade | 46 | 9.5% | |
| 5 | Professional, Scientific, and Technical Services | 46 | 9.5% | |
| 6 | Transportation and Warehousing | 45 | 9.3% | |
| 7 | Construction | 45 | 9.3% | |
| 8 | Wholesale Trade | 20 | 4.1% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 64 | $28.5M | $204K | 4 | $2.5M | 68 | 1,081 |
| FY2025 | 87 | $37.7M | $200K | 3 | $5.7M | 90 | 1,340 |
| FY2024 | 85 | $28.8M | $150K | 7 | $5.9M | 92 | 892 |
| FY2023 | 96 | $39.3M | $150K | 10 | $8.8M | 106 | 1,454 |
| FY2022 | 81 | $49.6M | $286K | 7 | $9.1M | 88 | 1,266 |
| FY2021 | 97 | $61.4M | $330K | 9 | $8.8M | 106 | 1,638 |
| FY2020 | 44 | $20.9M | $225K | 6 | $8.4M | 50 | 689 |
| FY2019 | 55 | $22.2M | $200K | 10 | $6.5M | 65 | 657 |
| FY2018 | 69 | $20.8M | $100K | 6 | $5.2M | 75 | 691 |
| FY2017 | 120 | $30.8M | $75K | 6 | $2.8M | 126 | 1,511 |
| FY2016 | 129 | $27.1M | $50K | 11 | $9.3M | 140 | 1,539 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 456 approvals.
Against Texas and the country
| FY2021–FY2025 | El Paso County | Texas | United States |
|---|---|---|---|
| Approvals | 482 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 29.6 | 37.2 | 41.0 |
| Median 7(a) approval | $225K | $320K | $190K |
| Median 504 approval | $789K | $974K | $657K |
| Average approval | $529K | $770K | $573K |
| 504 share of approvals | 7.5% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 13.7 | 12.6 | 10.5 |
| Share of state approvals | 1.9% | 100.0% | — |
Approval sizes
- $50,000 or less17.4%84
- $50,001 to $150,00020.5%99
- $150,001 to $350,00027.4%132
- $350,001 to $1 million22.0%106
- $1 million to $2 million7.1%34
- Over $2 million5.6%27
Age of the businesses
- Existing, more than 2 years old51.9%250
- New business, 2 years or less20.5%99
- Startup, loan funds will open the business23.7%114
- Change of ownership3.9%19
Questions and answers
Which lenders make the most SBA loans in El Paso County?
By approvals in FY2021 to FY2025: Wells Fargo Bank National Association (62), The Huntington National Bank (25), Northeast Bank (23), Sunflower Bank National Association (22), JPMorgan Chase Bank, National Association (20). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in El Paso County?
The median 7(a) approval was $225K and the median 504 approval $789K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in El Paso County?
Restaurants and Other Eating Places (52); Automotive Repair and Maintenance (29); General Freight Trucking (29); Offices of Other Health Practitioners (21); Offices of Physicians (18).
Is SBA lending in El Paso County rising?
Approvals in the three latest complete fiscal years total 288, against 244 in the three before: rising (+18%).
How does El Paso County compare with the rest of Texas?
29.6 approvals per 1,000 establishments against 37.2 statewide, and 482 of the state's 24,935 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error